System and method for identifying and distributing matured policy proceeds

ABSTRACT

The disclosed systems and methods facilitate identifying beneficiaries of matured insurance policies. In a preferred embodiment, the systems and methods leverage one or more websites, such as social media websites, to allow customers, family members, and other beneficiaries to search for and receive information about unclaimed matured policy proceeds. Optionally, users may also search for and receive information related to in-force policies. In cases where the insured is living, the systems and methods can update address and social security number records, enabling more effective policy administration and customer service going forward. The systems and methods may further distribute the matured policy proceeds to the identified beneficiary.

CROSS-REFERENCE TO RELATED APPLICATIONS

The present application is a continuation of, and claims priority to, U.S. patent application Ser. No. 14/092,586, filed Nov. 27, 2013, now U.S. Pat. No. 10,726,488, which claims the benefit of U.S. Provisional Application 61/730,294, filed on Nov. 27, 2012, the entire contents of each is incorporated herein by reference.

TECHNICAL FIELD

The present disclosure relates generally to network systems, and more particularly, to identifying, distributing, or otherwise managing policy proceeds.

BACKGROUND

While most policy holders apply for benefits upon accrued events associated with the insurance policy, such as death or disability, a surprising number of policies remain unclaimed. There has been a long history of insurance companies taking steps to locate insurance policyholders and to insure proper payment of benefits. In the late 1980s, for example, MetLife began its original “Family Reunion” program—a ten-year, multi-media campaign to locate “lost” policyholders and to reunite them with their MetLife insurance benefits. This campaign led to reconnections with more than 500,000 policyholders.

Currently there are no automated search capabilities for consumers looking to confirm coverage. Calls and letters are received into the customer call center and administrative offices looking for confirmation of coverage. Policy searches are done manually by looking at the individual administrative systems and/or eService. This results in very low rates of recovery, attenuated and displaced benefits and overall dissatisfaction by consumers with the various companies involved in these important products.

SUMMARY

The present invention is directed to a solution to the above noted problem by providing a computer system that quickly and accurately identifies lost policies—for example, life policies where a death has occurred but no benefits were requested or paid. In a preferred arrangement, a computer system integrates an enhanced front end for developing targeted and easily processed inquiries from policy holders and other system users with a selectively programmed computer system that allows for policy searching—for both active and lapsed policies—on an enhanced, and accurate platform with important security considerations in place for linking to a selectively arranged policy database.

DETAILED DESCRIPTION OF THE DRAWINGS

FIG. 1 is a functional block diagram for computer system;

FIG. 2 provides a flow chart for logic according to select system programming;

FIG. 3 provides further embellishments on one arrangement;

FIG. 4 is a functional block diagram regarding a particular illustrative embodiment of the present invention; and

FIG. 5 is a flow chart diagram directed to select aspects of the present invention

DETAILS OF A PREFERRED EMBODIMENT

A user interface is provided, for example, via the Insurance Company website (e.g., MetLife.com), allowing a consumer to search for information related to a life insurance policy on themselves or a family member. The requestor will be asked to enter a number of data elements about the insured. Once submitted, a real time match process will take place to see if there is a possible match for that insured. If a possible match is found, the requestor will receive an appropriate message and will be asked to provide his/her contact information, as well as additional supplementary information about the insured (e.g. last known addresses and names of parents, spouse, or children).

In one embodiment, all of the possible matches will be routed to a work queue for validation and/or research by an Insurance Company associate. Replies will be emailed to requestors, taking into account their relationship to the policy and the policy status. In another embodiment, the matched information will automatically be sent to the requestor without manual intervention from an Insurance Company associate. Normal rules related to who has rights to policy information will be utilized. For example, for in force policies where the insured is living, only the policy owner will be given information. For policies where the insured is deceased, the beneficiaries will be contacted with information about how to submit a claim. If no possible match is found, the requestor will receive an appropriate message advising as such.

The Search functionality will strive to identify all in force, lapsed and expired Individual Business life policies associated to an Insured for all companies; or insurance proceeds being held in Unclaimed Funds (Death Claim and Maturity proceeds); and where there is a possible match, to facilitate follow up for confirmation or resolution.

In a preferred embodiment, policies for which proceeds have already been paid will not be searched (Death Claims, Maturities, and Surrenders), nor will policy proceeds already escheated to the state.

FIG. 1 illustrates an embodiment of the system of the present disclosure for reconnecting policy holders and/or policy beneficiaries with matured policy proceeds. System 100 includes Client Computer 102A operated by a user and containing web browser software allowing the user to access Policy Finder Server 103 via Internet 101. The user is presented with User Interface/Website 103A, which provides a platform for the user to input information, such as date of birth, name, and social security number, into Policy Finder Server 103. Insurance Database 103B comprises one or more databases that contain information related to uncollected matured insurance proceeds, unclaimed insurance funds, and/or in-force insurance policy information. Insurance Database 103B may be local to Policy Finder Server 103 or accessed via network connection. Policy Finder Server 103 queries Insurance Database 103B with the user input information to determine whether the user (or the person associated with the input information) is the beneficiary to any unclaimed matured insurance proceeds, and/or whether the user has any outstanding insurance policies associated with them. If the user is authorized to receive this information, the Policy Finder Server 103 sends this information to Client Computer 102A via Internet 101. Alternatively, the user may attempt to locate outstanding matured benefits or insurance policy information via Internet 101 through User Interface/Website 104A hosted by Social Media Server 104. For example, a Facebook™ or Twitter™ page or “app” sponsored by MetLife, may provide more visibility to potential users. In this example, Social Media Server 104 sends the user input information and request to Policy Finder Server 103 via Internet 101. In a preferred embodiment, the Policy Finder Server 103 will subsequently interact with Client Computer 102A directly as opposed to sending the resulting data to Social Media Server 104.

FIG. 2 describes a high level process flow according to one embodiment of the invention. The process starts at step 200, and then continues to step 210 where a user enters her personal information (such as name, date of birth, and/or social security number). The system then queries the insurance database with the user information, step 220, and determines if there is a match, step 230. If there is no match then the system displays to the user a message indicating that no information is available, step 240. If there is a match, the system determines whether the user is authorized to receive this information, step 250. If the user is not authorized, then the system proceeds to step 240. If the user is authorized, then the system displays information describing the found in-force policy or matured benefits, step 260. The system then stores information related to the query, step 270. This stored information may be used, for example, to follow up with the user and/or effect the distribution of matured funds to the user. The process then ends at step 280.

Turning now to FIG. 3, a further presentation of system architecture and attributes are provided including additional details for the preferred embodiment. In particular, as noted a firewall separates the insurance administrator from various customer accessible portals as illustrated. On the administrator side, a back office mainframe 320 links to the search interface 330 for assessing search requests. In one arrangement, the system interfaces with Family Reunion, block 340.

One aspect of the preferred embodiment is directed to creating access through social media platforms, such as Facebook and Linkedln, where the system administrator registers a “page” or similar portal on the platform, and then promotes capabilities for using the portal to access policy data—including the existence of lapsed policies. Members of the social network will, for example, “friend” the system administrator, allowing access to that portal; in this way, selected messages and promotions can be targeted to these members based on the details that are available using the social network platform.

Turning now to FIG. 4, additional details of select aspects of the invention are provided. Block 400 reflects database elements, their interrelationships and their use to support metadata and policy data for enforce and lapsed policies. Customer Support Mart 410 is used as accessible data warehouse for communication to the app/server layer 420.

Turning now to FIG. 5, a further flowchart regarding operational aspects of the computer system is provided. At block 510, a user enters search parameters for consideration through the system portal. A typical security check is provided at block 520—here a system word entry to frustrate web spiders. At test 530 the system determines if the inquiry is a valid match. If no match, logic branches to the left and to block 540—rejections based on policy number and/or name. At block 550 a return is sent with select options to the user. Test 565 determines if the user selects “contact us”—if yes, logic branches to 570; if no, then logic terminates at block 590—and referral routing.

Continuing with FIG. 5, a preliminary match criteria is provided—with enumerated match values for high level matches. Block 560 provides the return message to the user—and a request for additional information as depicted by block 570. Logic on this branch terminates with a return message to the user, block 580 and final referrals to the BOSS System Administrator 590.

The following sections discuss specific implementations of the invention. These implementations are illustrative and not limiting.

System Assumptions:

NAME DESCRIPTION Policy Number Format The various admin systems supporting Individual Business Life products have differing policy number formats. The Business expects the system solution to facilitate matching even if the entered format does not conform to the usual admin system expectation. Customer Experience The Business expects the system solution to execute the search(es) in a timely fashion to avoid system time-outs and to maximize the customer experience. User experience is highly important. Scalability Projections for initial volumes estimate approximately 4000- 8000 searches per week and 250 phone calls per week. Because these volumes are estimates and because increased awareness could drive the volumes higher sooner than expected the system solution must be able to handle sudden increases and fluctuations in activity while maintaining a positive user experience. In addition, the system solution must be adaptable to expand the scope of the search should the scope of the effort increase in future. iPAS The iPAS platform does not feed MetaData therefore it will not be included in the initial release of the project, but the gap will have to be closed perhaps with a dot release.

The following systems will be impacted:

SYSTEM FUNCTIONALITY Insurance Company website Provide a User Interface to facilitate the search Business Objects Service Solutions Create cases based on referral from Insurance Image & Workflow System (BOSS) Company website Enterprise Customer Database Database of Individual Life insurance policies (ECDB or MetaData) across Individual Business Insurance Unclaimed Funds System Database of all unclaimed funds from Maturity and (MUFS) Death Claim proceeds Global Party Management System The back end system that will process the search, (GPM) log the transaction in the GPM Transactional database and provide the details for the BOSS referral

It is understood, as described below, that the following requirements can be implemented in and by a computer system. For example, the requirements can be embodied in software operable to control a data-processor.

BUSINESS REQUIREMENT NAME DESCRIPTION User Interface Insurance Company website to develop user interface allowing consumers to search for Individual Life insurance policies and unclaimed policy proceeds. Access Vehicles The consumer should be provided the ability to execute the new search capability through Insurance Company website Awareness and traffic A Public Relations and Marketing strategy which could drivers include social media to create consumer awareness and drive traffic to the search capability Initial Inquiry Data The new search function will allow the consumer to enter the Elements following data elements to facilitate the search: Policy number Insured's name (required) Insured's resident state (required) Insured's Date of Birth (required) Insured's alternate name (for example, maiden name) If deceased, Insured's date of death (complete date or year of death) Last 4 digits of Insured's social security number Required Fields The system should generate an online error message if the required field(s) are not entered: “Missing Required Field(s) + <Missing Field Name(s)>”. If multiple required fields are missing each missing field should be identified. Policy Number entry The system must solve for variations in Policy Number formatting, which varies across administrative systems. Allow for alphanumeric search by policy number. (Ex: 12345678 UM) Allow for search by policy number with or without Suffix. (Ex: 12345678 UM, or 12345678) Search by policy number should not be case-sensitive (Ex: 12345678 UM, 12345678 Um, 12345678 um) Allow for search by policy number and suffix with or without space between policy number suffix (Ex: 12345678 UM or 12345678UM Allow for search by policy number with or without spaces in the policy number (Ex: 123 456 789 UM or 123456789UM) Allow for search by policy number with or without hyphens (Ex: 12-345678 UM, or, 12345678-UM, or 1235678 A- -R or 12345678UM Online Edit The system should display an online error message if the user enters special characters other than space or hyphen into the policy number field: “Invalid Entry + <highlight invalid data element>” Online Edit The system should display an online error message if the user fails to enter the minimum number of characters or exceeds the maximum number of characters in the Policy Number field: “Policy number entered must be at least x characters and no more than y characters in length.” Business Rule: Minimum # x = 6 Business Rule: Maximum # y = 13 Security The system should include any appropriate security features to reduce or eliminate the possibility of automated mass searches that can negatively impact system performance. Search for matches The system should search for individual life insurance policies and unclaimed policy proceeds that match the entered data elements. Business Rule: Life insurance policies include those policies with the following policy statuses (note: variations on the policy status verbiage exist based on Admin system): Active statuses: Premium Paying/Active/Inforce(01) Lapse pending or grace Disability Waiver AWB Disability or AWB Death* Reduced Paid Up Fully Paid Up Extended Term Active APO* Death Claim Pending/Death Claim Reported Maturity/Maturity Value Paid Maturity Pending Extended Maturity* Single Premium (04) Inforce Unknown (metadata maps specifc admin system statuses to this status) Not Inforce Unknown (metadata maps specific admin system statuses to this status) Inactive statuses Lapsed Expired Purchase Loan Business Rule: Unclaimed policy proceeds include Maturity proceeds and Death Claim proceeds paid into Unclaimed Funds (MUFS) and in an Active or Reported status. *these are new statuses, not yet seen in production. Metadata translations will be determined once the statuses surface in production. No Match(es) Found The system should return a message stating, “No matches found. You may verify or update the entered information and search again.” The system should include a disclaimer with the No Match results No Match Inquiry The system should provide the ability for the user to Contact Us with a No Match result No Match Inquiry Data The system should provide the ability for the user to provide Elements contact information: User Name (required) User email Address (required) User Daytime Telephone Number (required) Free form field to allow additional comments/information Required Fields The system should generate an online error message if the required field(s) are not entered: “Missing Required Field(s) + <Missing Field Name(s)>”. If multiple required fields are missing each missing field should be identified. Match(es) Found The system should return a message stating, “Possible match(es) found. Please complete the Additional Information Form to confirm the match.” Disclaimer Message The system should include the following disclaimers with the search results: For No Match results: “We are making our best effort to perform an automated match against only active/in force Individual Life Insurance policies. You may call 1800 XXX-XXXX for further discussion” For both No Match and Possible Match results: “Our matching efforts do not include funds that have been escheated to the state. You may contact the Insured's or Beneficiary's State's abandoned property listing to determine if unclaimed funds are being held by the state ” Generate Online form The system should provide the ability to enter the Additional Information. Additional Information The system should provide the ability to capture the following Form additional information data elements: Your Full Name Your Address Your email Your daytime telephone number Your relationship to the Insured (i.e. self, spouse, child, parent, sibling, other) in a dropdown selection All the Insured's last known addresses Free Form field to list names of immediate family members (i.e. parents, spouse, children) Required Fields The system should generate an online error message if the required field(s) are not entered: “Missing Required Field(s) + <Missing Field Name(s)>”. If multiple required fields are missing each missing field should be identified. Confirmation Message The system should generate an online confirmation (or an email) message, “We will contact you with the results of the match investigation within x business days.” Business rule: x =10 Referral to BOSS The system should refer a case to BOSS for each search completed. No Match The system should refer a No Match case to BOSS with all the data entered in the Initial Inquiry. This will enable users to research and respond to subsequent queries from requestors regarding their earlier searches. No Match Inquiry The system should refer a No Match Inquiry case to BOSS with all the data entered in the Initial Inquiry and all data entered in the Contact Us form. Possible Match The system should refer a Possible Match case to BOSS with all the data entered in the Initial Inquiry, the Additional Information Form, and When there are 10 possible matches or less the referral should include the policy details for each possible match: policy number, Insured's name, policy status, company, and source of match (Admin or MUFS) When there are more than 10 possible matches the referral should include only a total count of the number of possible policy matches; do not include policy details. Possible Match ECDB or MetaData The system will identify a match on one of the following as a Possible Match: Policy number Insured's Name/Alternate Name and DOB If there is a match on policy number, there is no need to do additional searches (by name/dob). If there is a match on policy number but the name/DOB does not match, it is still a possible match. MUFS The system will identify a match on Insured's Name/Alternate Name only as a Possible Match. Business Rule for Insured's Name Match (on Name or Alternate Name): First Name + Last Name, or First Initial + Last Name Business Rule for DOB Match: Exact DOB match, or within a certain number of days from the date on the Admin record. Note: If there is a match on Insured's Name/Alternate name and DOB but other data such as Resident State does not match, it is still a possible match. No Match The system will identify a No Match if all of the following conditions apply: No match on Policy Number No match on Insured's Name/Alternate Name and DOB No match on Insured's Name/Alternate Name Data The operational database data will be updated on a monthly basis for the initial release. Generate Reports The system will generate reports of Search activity and results on a daily/weekly basis. Daily reports should be generated at the end of each business day to include all requests in the 24 hour period to 12 midnight Eastern Time. Weekly reports should be generated at the end of day each Friday and contain a summary of activity for the week (Mon-Fri) Report Recipients The reports will be sent via email to <report recipients>. Data Elements The reports should provide the following information: # of No Match Searches performed during the period # of No Match Inquiries performed during the period # of Possible Matches identified during the period # requests received by insured's state of residence # requests received by requestor's state/region Interface with Insurance To facilitate consumer searches for Individual Life insurance Company website policies or unclaimed policy proceeds the system will interface with Metlife.com to create cases. New Source BOSS will create a unique Source code to identify work incoming from Insurance Company website No Match BOSS will create a case for each No Match and it will autoclose the case. No Match data elements The BOSS case will store and display as an image the data elements entered in Metlife.com in the Initial Inquiry. No Match Inquiry BOSS will create a case for each No Match Inquiry and route it as a new transaction type (Transaction Name TBD) to the Address Change Senior queue. No Match Inquiry data The BOSS case will store and display as an image the elements following: The data elements entered in Metlife.com Initial Inquiry The data elements entered in the Contact Us form Possible Match BOSS will create a case for each Possible Match and route it as a new transaction type (Transaction Name TBD) to the Address Change Senior queue. Possible Match data The BOSS case will store and display as an image the elements following: The data elements entered in Metlife.com Initial Inquiry The Additional Information Form If 10 possible matches or less, the policy number, Insured's name, Insured's residence state, policy status, company (i.e., insurance provider) and source of match (Admin or MUFS) for each possible match. If more than 10 possible matches, the total count of the number of possible policy matches. BOSS Search The system will provide the ability to search in BOSS for Pending or Completed No Match by capturing insured's first and last name in a searchable field; and Possible Match and No Match Inquiry Cases by capturing the requestor's first and last name in a searchable field. Business Objects Reports Business Objects will be modified to report on the new source of work. Business Objects Reports The system must report on the number of cases successful matched from the Possible Match cases. Name Standardization The system should recognize some common nicknames where the first initial of the proper name and nickname are different, e.g. William/Bill, Elizabeth/Liz/Libby/Betsy, Margaret/Peggy, Rebecca/Becky/Becca, Edward/Ted/Ned.

REGULATORY REQUIREMENT NAME DESCRIPTION Privacy The system should comply with company's privacy guidelines. Retention The system should retain search results for the legally prescribed period in the transactional database and in BOSS.

The invention described above is operational with general purpose or special purpose computing system environments or configurations. Examples of well known computing systems, environments, and/or configurations that may be suitable for use with the invention include, but are not limited to: personal computers, server computers, hand-held or laptop devices, tablet devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like.

Components of the inventive computer system may include, but are not limited to, a processing unit, a system memory, and a system bus that couples various system components including the system memory to the processing unit. The system bus may be any of several types of bus structures including a memory bus or memory controller, a peripheral bus, and a local bus using any of a variety of bus architectures. By way of example, and not limitation, such architectures include Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MCA) bus, Enhanced ISA (EISA) bus, Video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus also known as Mezzanine bus.

The computer system typically includes a variety of non-transitory computer-readable media. Computer-readable media can be any available media that can be accessed by the computer and includes both volatile and nonvolatile media, and removable and non-removable media. By way of example, and not limitation, computer-readable media may comprise computer storage media and communication media. Computer storage media may store information such as computer-readable instructions, data structures, program modules or other data. Computer storage media includes, but is not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital versatile disks (DVD) or other optical disk storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store the desired information and which can accessed by the computer. Communication media typically embodies computer-readable instructions, data structures, program modules or other data in a modulated data signal such as a carrier wave or other transport mechanism and includes any information delivery media. The term “modulated data signal” means a signal that has one or more of its characteristics set or changed in such a manner as to encode information in the signal. By way of example, and not limitation, communication media includes wired media such as a wired network or direct-wired connection, and wireless media such as acoustic, RF, infrared and other wireless media. Combinations of the any of the above should also be included within the scope of computer-readable media.

The computer system may operate in a networked environment using logical connections to one or more remote computers. The remote computer may be a personal computer, a server, a router, a network PC, a peer device or other common network node, and typically includes many or all of the elements described above relative to the computer. The logical connections depicted in include one or more local area networks (LAN) and one or more wide area networks (WAN), but may also include other networks. Such networking environments are commonplace in offices, enterprise-wide computer networks, intranets and the Internet.

For ease of exposition, not every step or element of the present invention is described herein as part of software or computer system, but those skilled in the art will recognize that each step or element may have a corresponding computer system or software component. Such computer systems and/or software components are therefore enabled by describing their corresponding steps or elements (that is, their functionality), and are within the scope of the present invention. In addition, various steps and/or elements of the present invention may be stored in a non-transitory storage medium, and selectively executed by a processor.

The foregoing components of the present invention described as making up the various elements of the invention are intended to be illustrative and not restrictive. Many suitable components that would perform the same or similar functions as the components described are intended to be embraced within the scope of the invention. Such other components can include, for example, components developed after the development of the present invention. 

1. A computer system comprising: a data repository storing a plurality of insurance policies, each insurance policy is associated with a respective policy identifier; a server in communication with the data repository and a social media platform over a network, the server including instructions which, when executed, cause the server to: access the social media platform by a social media portal over the network; receive user data that includes information for at least one user of the social media platform; generate one or more search parameters corresponding to the at least one user based on the user data; identify at least one insurance policy as a candidate insurance policy based on a match between the one or more search parameters and the respective identifier associated with the at least one insurance policy; receive additional identifying information from the at least one user over the network; confirm the candidate insurance policy is an unclaimed insurance policy based on the additional identifying information; and provide a benefit to the at least one user according to the unclaimed insurance policy.
 2. The computer system of claim 1, wherein the instructions, when executed, further cause the server to: provide claim submission instructions to the at least one user over the network.
 3. The system of claim 1, wherein the instructions to receive the additional identifying information from the at least one user further cause the server to: generate a ticket based on the additional identifying information to connect the user with an insurance policy representative.
 4. The computer system of claim 1, wherein the additional identifying information includes identity information for a policyholder of the candidate insurance policy, wherein the instructions, when executed, further cause the server to: confirm the at least one user is authorized to view information related to the candidate insurance policy based on the identify information for the policyholder.
 5. The computer system of claim 1, wherein the instructions, when executed, further cause the server to: connect the at least one user with an insurance policy representative.
 6. The computer system of claim 1, wherein the instructions to receive the additional identifying information further cause the server to: receive the additional identifying information from the social media portal over the network.
 7. The computer system of claim 1, wherein the information for the at least one user includes at least one of: a name, an address, a relationship to a policy holder of an insurance policy, or contact information.
 8. The computer system of claim 1, wherein the information for the at least one user includes at least one of: a name of a policyholder of an insurance policy, an alternate name of the policyholder, a resident state of the policyholder, a date of birth of the policyholder, a date of death of the policyholder, or a social security number of the policyholder.
 9. The computer system of claim 1, wherein the user data further includes identifying information for an insurance policyholder, wherein the instructions to generate the one or more search parameters further causes the server to: generate one or more search parameters based on the identifying information for the insurance policyholder.
 10. The computer system of claim 1, wherein the instructions to identify the at least one insurance policy as the candidate insurance policy further cause the server to: generate an error based on a mismatch between the one or more search parameters and the respective identifier associated with each insurance policy, and wherein the instructions to request the additional identifying information further cause the server to request the additional identifying information based on the mismatch.
 11. The computer system of claim 10, wherein the instructions to generate the error based on the mismatch further cause the server to: provide a message to the user using the social media portal indicating the mismatch.
 12. The computer system of claim 10, wherein the instructions to identify the at least one insurance policy as the candidate insurance policy further cause the server to: update the one or more search parameters based on the additional identifying information.
 13. A method, comprising: storing a plurality of insurance policies in a data repository, each insurance policy is associated with a respective policy identifier; accessing a social media platform by a social media portal over a network; receiving, by a processor, user data that includes information for at least one user of the social media platform; generating, by the processor, one or more search parameters corresponding to the at least one user based on the user data; identifying, by the processor, at least one insurance policy from the data repository as a candidate insurance policy based on a match between the one or more search parameters and the respective identifier associated with the at least one insurance policy; receiving additional identifying information from the at least one user over the network; confirming the candidate insurance policy is an unclaimed insurance policy based on the additional identifying information; and providing a benefit to the at least one user according to the unclaimed insurance policy.
 14. The method of claim 13, wherein the additional identifying information includes identity information for a policyholder of the candidate insurance policy, the method further comprising: confirming the at least one user is authorized to view information related to the candidate insurance policy based on the identify information for the policyholder.
 15. The method of claim 13, further comprising: requesting the additional identifying information from the at least one user by the social media portal; and providing claim submission instructions to the at least one user over the network.
 16. The method of claim 13, wherein the information for the at least one user includes at least one of a name, an address, a relationship to a policy holder of an insurance policy, or contact information.
 17. The method of claim 13, wherein the information for the at least one user includes at least one of: a name of a policyholder of an insurance policy, an alternate name of the policyholder, a resident state of the policyholder, a date of birth of the policyholder, a date of death of the policyholder, or a social security number of the policyholder.
 18. A non-transitory computer readable medium, having instructions encoded thereon, the instructions, when executed by a processor, cause the processor to: store a plurality of insurance policies in a data repository, each insurance policy is associated with a respective policy identifier; access a social media platform by a social media portal over a network; receive user data that includes information for at least one user of the social media platform; generate one or more search parameters corresponding to the at least one user based on the user data; identify at least one insurance policy from the data repository as a candidate insurance policy based on a match between the one or more search parameters and the respective identifier associated with the at least one insurance policy; receive additional identifying information from the at least one user over the network; confirm the candidate insurance policy is an unclaimed insurance policy based on the additional identifying information; and provide a benefit to the at least one user according to the unclaimed insurance policy.
 19. The non-transitory computer readable medium of claim 18, wherein the instructions, when executed, further cause the processor to: request the additional identifying information from the at least one user by the social media portal; and provide claim submission instructions to the at least one user over the network.
 20. The non-transitory computer readable medium of claim 18, wherein the instructions, when executed, further cause the processor to: confirm the at least one user is authorized to view information related to the candidate insurance policy. 